5 BEST NEIGHBORHOODS To Live In Siargao Philippines 2024 πŸ‡΅πŸ‡­

Best Neighborhoods and Areas to Live in Siargao Philippines Introduction

best neighborhoods to live in Siargao Philippines

We will help guide you through the Best neighborhoods and places to live in Siargao Philippines! From our personal Experience living Here!

We lived in Siargao Philippines and only spent $990 – $1,250 per month while Living in Siargao, we also have other articles that cover how much we spent while living in Manila, Siargao, El Nido, Coron, Davao City, Boracay, and Bohol.

With its pristine beaches, lush jungles, and laidback vibe, Siargao in the Philippines has become an increasingly popular spot for expats and digital nomads. You’ll want to carefully consider which neighborhood or area best suits your lifestyle and needs as Siargao can be a bit expensive to live in compared to other places we have discussed in the Philippines.

In this blog post, we’ll highlight some of the top neighborhoods and residential areas in Siargao that offer the ideal blend of stunning natural scenery, convenience, amenities, and community.

From General Luna and Pacifico Beach to Pilar and San Isidro, we’ll tell you the rundown on the pros and cons of Siargao’s best areas to help you decide where to call home on the island while also saving money

Let’s get started!

Table Of Contents

10 Top Reasons to Live in Siargao Philippines

Explore the unique reasons why from world-class surfing to amazing natural scenery, Siargao Philippines is a top choice for expats like ourselves.

Here are 10 great reasons to move to Siargao, Philippines:

  1. World-class surfing – Siargao has numerous surf breaks with waves for all levels, including the famous Cloud 9. Surfers call it a paradise.
  2. Idyllic island life – The island has a relaxed, peaceful vibe with lush coconut trees, beautiful beaches, and friendly locals.
  3. Lower cost of living – While not as cheap as other parts of the Philippines, Siargao offers an affordable island lifestyle.
  4. Tropical climate – Temperatures range from 25Β°C to 33Β°C year-round. It’s a perfect escape from colder climates.
  5. Amazing natural scenery – From dramatic waterfalls to hidden lagoons, Siargao’s landscapes are stunning.
  6. Off the grid – With limited development, Siargao offers a remote experience and digital detox.
  7. Fresh, local produce – You’ll find fresh fish, fruits, and coconuts from local fishermen and farms.
  8. Small community – The expat community is small but welcoming. It’s easy to meet people.
  9. Outdoor adventures – Hiking, island hopping, paddleboarding, and more are available right on your doorstep.
  10. Philippine culture – Experience the rich culture, warm hospitality, and amazing cuisine of the Philippines.

Cultural Considerations in Siargao Philippines

  • The culture in Siargao is predominantly Roman Catholic, so be respectful when visiting churches or attending religious events.
  • Filipinos value family and community, so take time to get to know your neighbors and befriend locals.
  • Public displays of affection between couples are generally not common so keep intimacy private.
  • Filipinos tend to dress modestly, so avoid revealing clothing when not on the beach.
  • Locals are conservative, so ask before photographing people, especially in indigenous villages.
  • Island time is a way of life here – things move at a leisurely pace, so have patience and go with the flow.
  • Tipping is not expected but appreciated for good service. 10% is a common amount at restaurants.
  • Removing shoes is common when entering homes and some local businesses in the Philippines.
  • Learn basic Tagalog terms and customs to show your respect for the local culture. The effort will be appreciated.

General Cost of Living in Siargao Philippines Breakdown

Cost of living in Siargao Philippines for Expats CategoryCost TypeMonthly Cost in USDMonthly Cost in PHP
Housing in Siargao PhilippinesBasic 1-bedroom apartment (city center)$250 – $350β‚±13,750 – β‚±19,250
2-bedroom apartment (city center)$400 – $500β‚±22,000 – β‚±27,500
3-bedroom apartment (city center)$550 – $650β‚±30,250 – β‚±35,750
3-4 bedroom villa (compound living)$700 – $900β‚±38,500 – β‚±49,500
Utilities(electricity, AC, water) for a family$100 – $200β‚±5,500 – β‚±11,000
Food in Siargao PhilippinesLocal and imported groceries for your family$300 – $500β‚±16,500 – β‚±27,500
Dining out 2-3 times a week$80 – $120β‚±4,400 – β‚±6,600
Cheap street food and fast food per meal$2 – $4β‚±110 – β‚±220
Transportation in Siargao PhilippinesBus per 5 km ride$0.50 – $1.50β‚±27 – β‚±82
Taxi per 5 km ride$4 – $6β‚±220 – β‚±330
Grab (car) per 5 km ride$2 – $4β‚±110 – β‚±220
Angkas (motorcycle taxi) per 5 km ride$0.50 – $1.50β‚±27 – β‚±82
Tricycle per 5 km ride$1 – $3β‚±55 – β‚±165
Ferry boat ride$8 – $12β‚±440 – β‚±660
Intercity bus ticket$12 – $18β‚±660 – β‚±990
Plane (local) ticket$80 – $120β‚±4,400 – β‚±6,600
Total Monthly Cost of living in Siargao Philippines for Expats$1,800 – $2,800β‚±99,000 – β‚±154,000

Housing options in Siargao range from affordable one-bedroom apartments in the city center, priced between $250 to $350 (β‚±13,750 to β‚±19,250) per month, to larger villas with three to four bedrooms in compound living settings, which can cost between $700 to $900 (β‚±38,500 to β‚±49,500) monthly, offering a variety of choices to suit different expat budgets.

Pros and Cons Of the Neighborhoods and Places in Siargao Philippines

Best Neighborhoods/Areas to Live in Siargao PhilippinesProsCons
General Luna– Close to popular surf spots like Cloud 9
– Good restaurant and nightlife options
– Most developed area with amenities
– Can be noisy and crowded
– Limited budget accommodation
– Not as scenic as other areas
Pacifico Beach– Very small number of hotels
– Not much nightlife
– Can feel remote
– Very small number of hotels
– Not much nightlif
– Can feel remote
Pilar– Quiet countryside feel
– Most affordable area
– Local Philippine culture
– Far from the main tourist area
– Very limited dining options
– Not on the beach
San Isidro– Gorgeous beaches and resorts
– Away from crowds
– Nature and outdoor activities
– Isolated – need private transport
– No ATMs or shopping
– Mostly high-end accommodation
Santa Monica– Near General Luna but more laidback
– Surf resorts and restaurants
– Lovely stretch of beach
– Can be difficult to access
– Limited budget options
– Not much to do at night

Top Neighborhoods in Siargao to Live for Expats

Best Neighborhoods/
Places to Live for Expats in Siargao
DescriptionEst. Monthly Rent Range (USD)Est. Monthly Rent Range (PHP)
General LunaThe main tourist hub with restaurants, bars, shops, and access to surf. Mix of hotels, apartments, and private homes for rent.$300 – $800β‚±16,500 – β‚±44,000
Pacifico BeachA quieter beach area with upscale resorts. Limited rentals are available.$500 – $1,000β‚±27,500 – β‚±55,000
Santa MonicaPeaceful surf community with a nice beach and some restaurants. Mostly private home rentals.$400 – $700β‚±22,000 – β‚±38,500
PilarRural inland area with basic accommodation. Gives a local Philippine experience.$200 – $400β‚±11,000 – β‚±22,000
San IsidroSecluded northern beaches with luxury resorts. Few private home rentals available.$800 – $1,500β‚±44,000 – β‚±82,500
Siargao IslandsSmaller nearby islands with very limited rentals. Offers remote island living.$300 – $600β‚±16,500 – β‚±33,000

Health Insurance While Living in Siargao Philippines

Having comprehensive travel insurance is highly recommended when visiting Siargao Philippines to protect against any unexpected incidents. SafetyWing is an excellent option tailored to global travelers and digital nomads.

Why Choose SafetyWing?

SafetyWing makes travel insurance easy and affordable at just $45 – $250/month. Here are some key reasons to consider it:

  • Global coverage including exotic destinations
  • Flexible policies fit nomadic lifestyles
  • Easy sign-up and claims from phone/computer
  • Covers medical, evacuations, disruptions, baggage, etc.
  • 24/7 customer support anywhere
  • Customizable coverage amounts and add-ons

Other Travel Insurance Options

While SafetyWing is a top choice, companies like WorldNomads, Cigna Global, and IMG also offer comprehensive travel insurance for Siargao Philippines. Typical policies range from $45 – $500 for 2 weeks to a month of coverage. Compare coverage and premium costs.

Some key considerations for finding a good insurance policy:

  • Emergency medical and evacuation
  • Trip cancellation/interruption
  • Lost/delayed baggage
  • Adventure sports coverage
  • Altitude sickness coverage
  • 24/7 emergency assistance

Philippines Insurance Cost Estimates

Insurance PlanTrip DurationEstimated Cost
SafetyWing1 month$45 – $250
WorldNomads2 weeks$100-$200
Cigna Global1 month$150-$300
IMG2 weeks$150-$250

Living in Siargao for Expats

Overview: Siargao is a remote tropical island in the Philippines famous for its world-class surfing. It attracts expats who want an idyllic beach lifestyle away from crowds. The cost of living is moderate if you go for limited amenities and pick the neighborhood to live in wisely.

Cost of Living

  • Expats can expect a monthly budget between $1,100 – $2,500
  • Basic utilities cost around $100 – $200 per month
  • Groceries are around $400 – $500 for one or two people
  • Eating out costs $5 – $10 per meal at local restaurants


  • Rent for nice 1-2 bedroom apartments averages $400 – $600 per month
  • Upscale 3-4 bedroom serviced apartments or houses cost $800 – $1500 per month
  • Short-term accommodations are $500 – $800 per month

Healthcare and Hospitals

  • There are very good internationally accredited hospitals in Cebu City
  • Public healthcare is relatively affordable
  • Private healthcare and insurance run $100 – $300 per month
  • Consider travel insurance like Safetywing or World Nomads with plans starting at just $45 per month.

Lifestyle, Culture, and Recreation

  • Great dining scene with food from around the world
  • Surfing, island hopping, hiking, paddle boarding, and more
  • Remote island paradise setting

Cost of Living in Siargao

  1. Groceries for Family of 4
  • Around $520 – $680 for basics plus some imported items
  1. Dining Out
  • The average meal cost is $5 – $10 per person at inexpensive restaurants
  • Can dine out affordably 2-3 times per month

Transportation in Siargao

  1. Public Transit
  • Local buses cost $0.50 – $1.50 or β‚±27 – β‚±82 per 5km
  • Boats are $5 – $15 or β‚±275 – β‚±825 per ride
  • Habal-habal (motorcycle taxis) cost $1 – $3 or β‚±55 – β‚±165 per 5km
  1. Taxis
  • Regular taxis start at $4 – $8 or β‚±220 – β‚±440 per 5km
  • Very limited taxi options
  • Owning a Vehicle:
  • Cars and gas are more expensive but provide flexibility
  • Prepare for rough roads and limited parking
  • Small cars can cost $15,000+
  • Gas is $1.50 per liter

Pros and Cons of Living in Siargao

Pros: Tropical island paradise, surfing, slower pace, natural beauty

Cons: Limited healthcare, higher costs, lack of amenities, poor infrastructure

Best Neighborhoods in Siargao for Families, Singles, Retirees

Tailored recommendations for different lifestyles, catering to families, singles, and retirees.

Best Neighborhoods in Siargao by GroupBest Places in Siargao Philippines
FamiliesGeneral Luna, Pacifico Beach
SinglesGeneral Luna
RetireesSan Isidro, Santa Monica

Additional Tips:

  • For families, General Luna and Pacifico Beach offer kid-friendly resorts, restaurants, and amenities within close reach. The beaches are great for children.
  • Single expats will enjoy the vibrant social scene in General Luna, with restaurants, bars, and popular surf spots to meet other travelers.
  • Retirees prefer more secluded areas like San Isidro for its serene setting or Santa Monica for the laidback surf community. These areas still have dining options but avoid crowds.
  • Pilar offers an immersive local Philippine experience good for any frugal retirees or younger teachers.
  • The outer islands are very remote but can appeal to those looking for an off-the-grid paradise.

Tips on Moving Banking and Finding Housing in Siargao Philippines

Tips on finding accommodations, navigating the housing market, and making the most of your budget:

CategoryTips for ExpatsResources
Finding Housing– Look on Facebook groups
– Contact resorts/hotels
– Hire a broker to help search
Lamudi Philippines
Shipping Belongings– Use air freight for essentials
– Sea freight for bulkier items
– Get quotes from various shippers
Banking and Money Transfers– Open a Philippine bank account 
– Use Wise for international transfers
Visas– Tourist visas up to 36 months
– SRRV retirement visa
– Work visas available
Bureau of Immigration
Philippine Retirement Authority

Here is a list of local apartment rental websites, Government resources for Visas, Facebook Groups, Tourism Boards, and more to help you with your potential move here

Expat Facebook Groups:

Philippines Tourism Board:

Philippines Data Sites:

Ministry of Culture and the Arts:

Embassy of Siargao Philippines:

Government of Philippines:

Philippines Local Rental Websites:

  • MyProperty
  • Lamudi 
  • Airbnb
  • Hostelworld
  • For exchanging money use Wise Which is the best option if you are a digital nomad and Expat. a cheaper option to send and receive money internationally rather than exchanging money through other platforms like Paypal, Payoneer costs a lot of money for exchange fees and rates
    • Booking Flights: To Find insane flight deals, search on Google Flights, and Skyscanner and choose the monthly option to find the best day to fly.

Conclusion on the neighborhoods to Live In Siargao Philippines

Siargao offers an appealing island lifestyle for expats in the Philippines. For those seeking the best of this island paradise, General Luna stands out as the top area to live.

Its vibrant mix of restaurants, nightlife, resorts, and proximity to famous breaks like Cloud 9 makes it the center of tourism and expat life.

Just north, Pacifico Beach provides a more upscale and secluded beach residential experience, while still accessible to General Luna’s conveniences.

Santa Monica and San Isidro offer alternative beach communities that are perfect for those looking for more relaxation away from crowds. Pilar gives an authentic look at rural Philippine culture and provides a lower cost of living.

Ultimately, Siargao provides the ideal peaceful island setting with world-class amenities like surfing, dining, and outdoor adventures. Choosing the right neighborhood or town comes down to your lifestyle preferences and budget.

But no matter where you settle in Siargao, the warm community of locals and expats will make you feel at home in this tropical island paradise.

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